Phân tích tư tưởng của nhân dân qua đoạn thơ: Những người vợ nhớ chồng… Những cuộc đời đã hóa sông núi ta trong Đất nước của Nguyễn Khoa Điềm
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Many policy makers and researchers believe that voluntary cost pooling of employees across small
firms will make insurance affordable to these firms. This is possible because, on average, expected costs
of employees at small firms are only slightly higher than large firms. We show that risk pooling across
firms may not work as well as this conventional wisdom would suggest, because of large between-firm
heterogeneity in employee characteristics at small firms. Even if a fair average premium is charged, risk
pooling will be inadequate to induce many small-to-medium-sized firms with favorable health-cost
distributions or low preferences for insurance to purchase insurance. This adverse selection problem is
further...
Nội dung trích xuất từ tài liệu:
Mandatory Health Insurance: Is It Constitutional?
